with retailers all over the world, large and small, to help them compete in this changing commerce environment. and we will never compete with them. that's a very important point to these retailers. they don't view us... >> charlie: retailers will never compete with you. >> we want to enable you to succeed. >> charlie: in mobile and in your business and in many other businesses, is software king? is that what makes the difference? you have the better software? >> well, i think the software is the tool that allows you to build a better user experience. and a better end-to-end user experience. software and the internet, the fact that you're connected, is enabling experiences we never could have imagined before. for instance, two experiences. one, i can right now... let's say i want to get a sandwich downstairs. you want to get a sandwich. you go to a deli. there's always a long line in the deli so you open your pay pal mobile app. you in essence check in. you preorder what sandwich. when they walk downstairs, now they'll recognize you but if you were an average consumer they'd say hello, you'd l